UPI Apps That Can Help You Save Money on Everyday Expenses

best upi apps

Best UPI Apps for Cashback: In this article, we will list down the top Indian UPI apps that give cashback for making payments. You might be one of those who prefer digital payments for daily transactions, specifically UPI payments, which are quick and easy. However, you may be aware that GPay, Paytm, Mobikwik, and other well-known apps have stopped offering cashback for UPI payments.

In this article, we have listed the best UPI cashback apps that you can use to earn cashback while making daily payments.



Kiwi is a brand-new app. It also offers lifetime free RuPay credit card for making payments via credit cards. It guarantees cashback rewards in the form of ‘kiwis,’ making it worth a shot. For every payment, you will earn Kiwis, which you can convert into real cash. Additionally, when you download the app using a referral code, you can earn an extra ₹250 cashback.

kiwi app cashback offers

This app is launched in 2023, so you can expect higher cashback rewards as compared to other UPI apps. Head to this article, to learn more about Kiwi app’s cashback policy.



Regarding UPI payments, Cred is one of the best options for earning cashback. It offers assured cashback on the first 2 transactions every day, on making a minimum payment of ₹15 or more. You can scan Paytm, Freecharge, Gpay QR codes to earn cashback. This app is just awesome.

Below is the screenshot of the cashback I’ve earned recently for my daily transactions.


To use Cred, you need to have a credit card. If you don’t have a credit card, you can check out other UPI cashback apps that don’t require a credit card. You can learn more about how to create an account on Cred.



PayZapp is an online payment app by HDFC that allows you to make recharges, pay bills, apply for a credit card, and provides UPI payment facilities.

Download the app, register for it, and complete KYC to start using it. On the homepage, scroll down, and you will find the section titled “Explore offers, rewards & more.” Under this section, you can discover offers currently running on UPI payments. Scroll down to check the ongoing UPI offers.

payzapp upi offers



Paytm is one of the most popular payment apps that offers cashback on making online, offline and sent money transactions. It offers user-specific offers that you can check by navigating to the “cashback & offers” section.

To check exclusive offers for you, click on Cashback & Offers and you find exclusive UPI, wallet, bill pay, scan and pay offers.

paytm exclusive upi offers


Bazaz Finserv

Bazaz Finserv is another UPI application that offers excellent UPI deals. While this app may not be as popular as Paytm or Google Pay, it provides a wide range of offers. Additionally, new users can benefit from special offers with extra cashback.

In terms of cashback, you can find several offers on making UPI payments for recharge, bill payment and send money category.


Google Pay

Google upi offers Google Pay is one of the most widely used platforms for UPI payments. While it no longer offers cashback on regular UPI payments, you can still earn cashback during special campaigns where you complete tasks to unlock rewards.


Additionally, you have the opportunity to earn vouchers, such as cashback on your next recharge, bill payment or bill payment, by simply making UPI transactions on Google Pay.



mobikwik upi offers
Mobikwik periodically runs cashback offers on UPI payments, which you can check on its app or website. This app operates smoothly and efficiently, offering a range of features, from bill payments to money transfers, including sending money to banks and much more.Explore the UPI offers on its dedicated page to start earning cashback.


Amazon Pay

Amazon Pay rewards you with scratch cards every time you successfully complete a UPI transaction using Amazon Pay UPI. These scratch cards may contain shopping coupons and cashback. You can easily find these offers in the ‘Offer Section’ on Amazon Pay.

It’s a great choice if you’re considering making a purchase on Amazon, as UPI payments through Amazon can grant you Amazon discount cashback vouchers for free.



Freecharge is a well-known UPI payment platform that rewards you with cashback when you recharge or make bill payments using UPI mode. While it doesn’t offer cashback for sending money, you can use other apps like Kiwi, Cred, and Bazaz Finserv for that purpose.

This app is an excellent choice when you have a recharge or bill payment to make and you’re in search of a reliable UPI app that not only provides cashback but also offers a user-friendly platform with seamless transaction capabilities.


Final Words

When it comes to seamless and secure digital transactions, the best UPI apps are the go-to choice for millions of users in India. These user-friendly applications offer a convenient way to transfer money, pay bills, and shop online with ease.

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